Bardstown VA Loan Rates, Closing Costs & Stats
Bardstown, KY
A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.
The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.
For additional benefits of VA loans, click here.
Bardstown's 32 lenders originated 78 VA loans during 2023. The total origination value was $21,630,000, with an average VA loan value of $277,308.
Bardstown VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Bardstown
averaged
0.01%
for the week of 2024-11-29, compared to the national average (all VA variants) of
0% for the same period.
Bardstown's average VA mortgage closing costs are $5,787.
The average rate for the prior week (2024-11-22) was
6.48% and
one month ago for the week of 2024-10-25, the
average rate was 6.48%.
The average rate one year ago was 6.92%.
For refis of the same type during the week of 2024-11-29, the average rate
was 0%.
Bardstown VA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Bardstown level.
The top Bardstown VA lender as defined by loan originations is Mortgage Research Center, LLC, with
12 VA loans originated. Their average total fees are
$4,274, which is $9,077
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Bardstown VA lenders (with over 10 loans originated) are
Mortgage Research Center, LLC ($4,274), .
The lowest rate Bardstown VA lenders (with over 10 loans originated) are
Mortgage Research Center, LLC (6.56%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Bardstown (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $185,000 (6.4%) | $218,108 (0.0%) | 0.00 | 154 |
2018-02-01 | $183,900 (7.4%) | $213,216 (-0.7%) | 0.00 | 156 |
2018-03-01 | $199,900 (12.7%) | $235,839 (6.2%) | 0.00 | 140 |
2018-04-01 | $199,923 (7.5%) | $238,378 (0.5%) | 0.00 | 143 |
2018-05-01 | $199,900 (5.5%) | $242,985 (6.0%) | 0.00 | 142 |
2018-06-01 | $205,000 (13.9%) | $248,361 (7.9%) | 0.00 | 159 |
2018-07-01 | $216,200 (5.5%) | $249,654 (7.9%) | 0.00 | 159 |
2018-08-01 | $219,900 (10.2%) | $254,819 (15.1%) | 0.00 | 165 |
2018-09-01 | $217,450 (7.4%) | $241,761 (8.8%) | 0.00 | 163 |
2018-10-01 | $194,825 (1.2%) | $232,945 (3.1%) | 0.00 | 168 |
2018-11-01 | $184,950 (-0.9%) | $230,306 (0.9%) | 0.00 | 171 |
2018-12-01 | $179,900 (-3.8%) | $224,743 (-0.8%) | 0.00 | 173 |
2019-01-01 | $182,325 (-1.5%) | $223,496 (2.5%) | 0.00 | 180 |
2019-02-01 | $195,650 (6.4%) | $240,171 (12.6%) | 0.00 | 167 |
2019-03-01 | $204,329 (2.2%) | $246,556 (4.5%) | 0.00 | 158 |
2019-04-01 | $204,829 (2.5%) | $248,298 (4.2%) | 0.00 | 154 |
2019-05-01 | $215,925 (8.0%) | $252,700 (4.0%) | 0.00 | 154 |
2019-06-01 | $214,500 (4.6%) | $247,552 (-0.3%) | 0.00 | 172 |
2019-07-01 | $208,950 (-3.4%) | $241,916 (-3.1%) | 0.00 | 171 |
2019-08-01 | $203,209 (-7.6%) | $230,690 (-9.5%) | 0.00 | 173 |
2019-09-01 | $190,098 (-12.6%) | $220,780 (-8.7%) | 0.00 | 173 |
2019-10-01 | $179,975 (-7.6%) | $217,999 (-6.4%) | 0.00 | 176 |
2019-11-01 | $179,900 (-2.7%) | $229,262 (-0.5%) | 0.00 | 178 |
2019-12-01 | $172,900 (-3.9%) | $223,165 (-0.7%) | 0.00 | 167 |
2020-01-01 | $174,950 (-4.0%) | $223,081 (-0.2%) | 0.00 | 151 |
2020-02-01 | $175,950 (-10.1%) | $233,365 (-2.8%) | 0.00 | 126 |
2020-03-01 | $182,625 (-10.6%) | $236,968 (-3.9%) | 0.00 | 130 |
2020-04-01 | $196,250 (-4.2%) | $243,648 (-1.9%) | 0.00 | 121 |
2020-05-01 | $221,050 (2.4%) | $253,062 (0.1%) | 0.00 | 109 |
2020-06-01 | $235,000 (9.6%) | $276,388 (11.7%) | 0.00 | 96 |
2020-07-01 | $262,175 (25.5%) | $292,252 (20.8%) | 0.00 | 79 |
2020-08-01 | $279,000 (37.3%) | $301,157 (30.6%) | 0.00 | 71 |
2020-09-01 | $267,925 (40.9%) | $317,529 (43.8%) | 0.00 | 72 |
2020-10-01 | $264,225 (46.8%) | $308,883 (41.7%) | 0.00 | 80 |
2020-11-01 | $245,000 (36.2%) | $278,864 (21.6%) | 0.00 | 88 |
2020-12-01 | $244,925 (41.7%) | $272,331 (22.0%) | 0.00 | 84 |
2021-01-01 | $239,000 (36.6%) | $264,290 (18.5%) | 0.00 | 75 |
2021-02-01 | $239,900 (36.4%) | $273,775 (17.3%) | 0.00 | 49 |
2021-03-01 | $235,550 (29.0%) | $307,844 (29.9%) | 0.00 | 39 |
2021-04-01 | $228,200 (16.3%) | $377,638 (55.0%) | 0.00 | 36 |
2021-05-01 | $292,500 (32.3%) | $461,132 (82.2%) | 0.00 | 31 |
2021-06-01 | $270,950 (15.3%) | $378,177 (36.8%) | 0.00 | 49 |
2021-07-01 | $285,000 (8.7%) | $374,791 (28.2%) | 0.00 | 63 |
2021-08-01 | $258,175 (-7.5%) | $327,870 (8.9%) | 0.00 | 86 |
2021-09-01 | $272,400 (1.7%) | $345,269 (8.7%) | 0.00 | 87 |
2021-10-01 | $269,950 (2.2%) | $334,001 (8.1%) | 0.00 | 91 |
2021-11-01 | $272,475 (11.2%) | $335,734 (20.4%) | 0.00 | 94 |
2021-12-01 | $267,475 (9.2%) | $341,466 (25.4%) | 0.00 | 83 |
2022-01-01 | $299,900 (25.5%) | $364,973 (38.1%) | 0.00 | 69 |
2022-02-01 | $289,975 (20.9%) | $351,132 (28.3%) | 0.00 | 58 |
2022-03-01 | $309,838 (31.5%) | $364,567 (18.4%) | 0.00 | 54 |
2022-04-01 | $349,900 (53.3%) | $386,651 (2.4%) | 0.00 | 53 |
2022-05-01 | $299,950 (2.6%) | $358,312 (-22.3%) | 0.00 | 83 |
2022-06-01 | $289,950 (7.0%) | $334,909 (-11.4%) | 0.00 | 98 |
2022-07-01 | $289,950 (1.7%) | $317,690 (-15.2%) | 0.00 | 134 |
2022-08-01 | $287,425 (11.3%) | $319,366 (-2.6%) | 0.00 | 152 |
2022-09-01 | $293,700 (7.8%) | $322,986 (-6.5%) | 0.00 | 152 |
2022-10-01 | $289,000 (7.1%) | $316,637 (-5.2%) | 0.00 | 171 |
2022-11-01 | $284,950 (4.6%) | $307,077 (-8.5%) | 0.00 | 169 |
2022-12-01 | $284,950 (6.5%) | $306,204 (-10.3%) | 0.00 | 142 |
2023-01-01 | $291,200 (-2.9%) | $328,656 (-10.0%) | 0.00 | 125 |
2023-02-01 | $289,938 (0.0%) | $326,933 (-6.9%) | 0.00 | 116 |
2023-03-01 | $289,938 (-6.4%) | $321,845 (-11.7%) | 0.00 | 112 |
2023-04-01 | $285,425 (-18.4%) | $325,561 (-15.8%) | 0.00 | 101 |
2023-05-01 | $289,950 (-3.3%) | $351,470 (-1.9%) | 0.00 | 110 |
2023-06-01 | $289,950 (0.0%) | $338,478 (1.1%) | 0.00 | 120 |
2023-07-01 | $289,950 (0.0%) | $336,983 (6.1%) | 0.00 | 98 |
2023-08-01 | $297,450 (3.5%) | $328,319 (2.8%) | 0.00 | 105 |
2023-09-01 | $314,900 (7.2%) | $338,991 (5.0%) | 0.00 | 114 |
2023-10-01 | $324,963 (12.4%) | $345,992 (9.3%) | 0.00 | 126 |
2023-11-01 | $309,988 (8.8%) | $342,425 (11.5%) | 0.00 | 132 |
2023-12-01 | $305,000 (7.0%) | $357,400 (16.7%) | 0.00 | 145 |
2024-01-01 | $308,675 (6.0%) | $362,872 (10.4%) | 0.00 | 132 |
2024-02-01 | $306,175 (5.6%) | $364,932 (11.6%) | 0.00 | 134 |
2024-03-01 | $314,900 (8.6%) | $348,803 (8.4%) | 0.00 | 116 |
2024-04-01 | $313,675 (9.9%) | $350,058 (7.5%) | 0.00 | 119 |
2024-05-01 | $299,900 (3.4%) | $349,085 (-0.7%) | 0.00 | 133 |
2024-06-01 | $299,900 (3.4%) | $342,546 (1.2%) | 0.00 | 131 |
2024-07-01 | $294,925 (1.7%) | $342,022 (1.5%) | 0.00 | 143 |
2024-08-01 | $299,900 (0.8%) | $356,803 (8.7%) | 0.00 | 158 |
2024-09-01 | $299,900 (-4.8%) | $365,932 (8.0%) | 0.00 | 153 |
2024-10-01 | $299,900 (-7.7%) | $365,818 (5.7%) | 0.00 | 149 |
Bardstown's median listing price comes in at 0% of the national average.
Bardstown's average listing price for 2024-10-01 was $365,818, a difference of $19,826 (5.7%) versus the prior year and $-114 versus the prior month.
For the 2024-10-01 period, Bardstown had 149 MLS listings, a difference of -4 listings (-3%) versus the prior month and 23 listings (18%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Bardstown (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,767 sqft |
2018-02-01 | 0 days | 1,677 sqft |
2018-03-01 | 0 days | 1,760 sqft |
2018-04-01 | 0 days | 1,787 sqft |
2018-05-01 | 0 days | 1,751 sqft |
2018-06-01 | 0 days | 1,792 sqft |
2018-07-01 | 0 days | 1,927 sqft |
2018-08-01 | 0 days | 1,934 sqft |
2018-09-01 | 0 days | 1,795 sqft |
2018-10-01 | 0 days | 1,689 sqft |
2018-11-01 | 0 days | 1,637 sqft |
2018-12-01 | 0 days | 1,558 sqft |
2019-01-01 | 0 days | 1,550 sqft |
2019-02-01 | 0 days | 1,669 sqft |
2019-03-01 | 0 days | 1,689 sqft |
2019-04-01 | 0 days | 1,683 sqft |
2019-05-01 | 0 days | 1,785 sqft |
2019-06-01 | 0 days | 1,800 sqft |
2019-07-01 | 0 days | 1,797 sqft |
2019-08-01 | 0 days | 1,686 sqft |
2019-09-01 | 0 days | 1,536 sqft |
2019-10-01 | 0 days | 1,442 sqft |
2019-11-01 | 0 days | 1,478 sqft |
2019-12-01 | 0 days | 1,400 sqft |
2020-01-01 | 0 days | 1,400 sqft |
2020-02-01 | 0 days | 1,500 sqft |
2020-03-01 | 0 days | 1,620 sqft |
2020-04-01 | 0 days | 1,651 sqft |
2020-05-01 | 0 days | 1,745 sqft |
2020-06-01 | 0 days | 1,794 sqft |
2020-07-01 | 0 days | 1,864 sqft |
2020-08-01 | 0 days | 1,869 sqft |
2020-09-01 | 0 days | 1,900 sqft |
2020-10-01 | 0 days | 1,748 sqft |
2020-11-01 | 0 days | 1,671 sqft |
2020-12-01 | 0 days | 1,653 sqft |
2021-01-01 | 0 days | 1,659 sqft |
2021-02-01 | 0 days | 1,731 sqft |
2021-03-01 | 0 days | 1,841 sqft |
2021-04-01 | 0 days | 1,825 sqft |
2021-05-01 | 0 days | 2,168 sqft |
2021-06-01 | 0 days | 1,884 sqft |
2021-07-01 | 0 days | 1,805 sqft |
2021-08-01 | 0 days | 1,751 sqft |
2021-09-01 | 0 days | 1,773 sqft |
2021-10-01 | 0 days | 1,800 sqft |
2021-11-01 | 0 days | 1,764 sqft |
2021-12-01 | 0 days | 1,728 sqft |
2022-01-01 | 0 days | 1,800 sqft |
2022-02-01 | 0 days | 1,764 sqft |
2022-03-01 | 0 days | 1,800 sqft |
2022-04-01 | 0 days | 1,762 sqft |
2022-05-01 | 0 days | 1,676 sqft |
2022-06-01 | 0 days | 1,645 sqft |
2022-07-01 | 0 days | 1,500 sqft |
2022-08-01 | 0 days | 1,517 sqft |
2022-09-01 | 0 days | 1,592 sqft |
2022-10-01 | 0 days | 1,524 sqft |
2022-11-01 | 0 days | 1,525 sqft |
2022-12-01 | 0 days | 1,510 sqft |
2023-01-01 | 0 days | 1,541 sqft |
2023-02-01 | 0 days | 1,522 sqft |
2023-03-01 | 0 days | 1,503 sqft |
2023-04-01 | 0 days | 1,503 sqft |
2023-05-01 | 0 days | 1,522 sqft |
2023-06-01 | 0 days | 1,522 sqft |
2023-07-01 | 0 days | 1,524 sqft |
2023-08-01 | 0 days | 1,551 sqft |
2023-09-01 | 0 days | 1,650 sqft |
2023-10-01 | 0 days | 1,652 sqft |
2023-11-01 | 0 days | 1,591 sqft |
2023-12-01 | 0 days | 1,529 sqft |
2024-01-01 | 0 days | 1,529 sqft |
2024-02-01 | 0 days | 1,528 sqft |
2024-03-01 | 0 days | 1,562 sqft |
2024-04-01 | 0 days | 1,561 sqft |
2024-05-01 | 0 days | 1,564 sqft |
2024-06-01 | 0 days | 1,564 sqft |
2024-07-01 | 0 days | 1,534 sqft |
2024-08-01 | 0 days | 1,552 sqft |
2024-09-01 | 0 days | 1,580 sqft |
2024-10-01 | 0 days | 1,574 sqft |
Bardstown's median square footage for active listings during the 2024-10-01 period was 1,574 sqft. One year prior, the average listing was 1,652 sqft.